Are you tired of overpaying and want cheaper Mazda 3 insurance in Sacramento? Having to pay for pricey auto insurance in Sacramento can dry up your personal savings and make it impossible to make ends meet. Comparing rate quotes is free and is an excellent way to reduce premiums and put more money in your pocket.
A recent auto insurance study discovered that a large majority of drivers renewed their policy with the same company for at least the last four years, and nearly 40% of drivers have never compared rates to find affordable insurance. The average driver in Sacramento could save nearly $469 a year by just comparing quotes, but they think it’s difficult to do a rate comparison.
Steps to buying lower priced Mazda 3 insurance in Sacramento
The best way to get cheaper car insurance rates in Sacramento is to compare prices once a year from different companies who sell auto insurance in California.
First, read about individual coverages and the measures you can take to keep rates low. Many things that cause rate increases like at-fault accidents and an imperfect credit score can be improved by improving your driving habits or financial responsibility.
Second, compare prices from independent agents, exclusive agents, and direct companies. Direct companies and exclusive agencies can only give rate quotes from one company like Progressive or State Farm, while independent agencies can provide price quotes from many different companies. Begin your rate comparison
Third, compare the new quotes to the price on your current policy to see if a cheaper rate is available. If you find a better price and switch companies, make sure there is no lapse between the expiration of your current policy and the new one.
Fourth, provide notification to your current company to cancel your current policy and submit payment along with a signed and completed policy application to the new company. Once coverage is bound, keep your new certificate verifying coverage somewhere easily accessible.
The most important part of shopping around is to try to compare identical coverage information on every quote and and to compare every insurance company. This provides a level playing field and a thorough price selection.
Multiple car insurance companies compete for your insurance dollar, so it’s not easy to compare every provider to discover the definitive best price available on Mazda 3 insurance in Sacramento.
It’s important to shop coverage around every six months because rates are variable and change quite frequently. Just because you had the best premium rates on Mazda 3 insurance in Sacramento six months ago you can probably find a lower rate today. Block out anything you think you know about auto insurance because you’re going to get a crash course in the best way to find better rates and still maintain coverage.
If you are already insured or just want to reduce your rates, use these tips to lower your rates without reducing protection. Locating the best rates in Sacramento is much easier if you have a good place to start. Drivers just need to learn the quickest way to buy car insurance from many companies at once.
These discounts can lower Mazda 3 insurance rates
Car insurance can be pricey, but you may qualify for discounts that many consumers don’t even know exist. Some discounts apply automatically at the time of purchase, but a few need to be inquired about before you will receive the discount.
- Bundle and Save – If you insure your home and vehicles and place coverage with the same company you may earn up to 20% and get you inexpensive Mazda 3 insurance in Sacramento.
- Buy New and Save – Putting insurance coverage on a new 3 can save up to 30% since newer vehicles have better safety ratings.
- Sign Early and Save – A few car insurance companies give discounts for switching companies early. This discount can save up to 10%.
- Data Collection Discounts – Insureds that choose to allow their company to look at when and where they use their vehicle by using a small device installed in their vehicle such as In-Drive from State Farm or Allstate’s Drivewise system could see a rate decrease as long as they are good drivers.
- Drive Safe and Save – Accident-free drivers can get discounts for up to 45% lower rates compared to rates paid by drivers with frequent claims.
- Professional Organizations – Belonging to qualifying clubs or civic groups may earn a discount on your next car insurance statement.
- Discounts for Federal Employees – Employees or retirees of the government could qualify for a slight premium decrease with select insurance companies.
As a sidenote, some credits don’t apply to the entire cost. A few only apply to specific coverage prices like comprehensive or collision. So when it seems like all the discounts add up to a free policy, that’s just not realistic.
The chart below shows the comparison of Mazda 3 insurance rates with and without discounts applied. The premiums are based on a male driver, a clean driving record, no at-fault accidents, California state minimum liability limits, comp and collision included, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-car, multi-policy, safe-driver, claim-free, homeowner, and marriage discounts applied.
Large car insurance companies and some of the premium reductions they offer are included below.
- Progressive may have discounts that include multi-vehicle, multi-policy, online quote discount, continuous coverage, good student, and online signing.
- SAFECO offers premium reductions for safe driver, anti-lock brakes, homeowner, teen safety rewards, bundle discounts, and drive less.
- American Family may include discounts for TimeAway discount, air bags, early bird, bundled insurance, good driver, and Steer into Savings.
- MetLife policyholders can earn discounts including good driver, multi-policy, accident-free, defensive driver, good student, and claim-free.
- GEICO offers discounts for multi-vehicle, defensive driver, anti-theft, multi-policy, and five-year accident-free.
- The Hartford includes discounts for defensive driver, good student, driver training, anti-theft, vehicle fuel type, bundle, and air bag.
When comparing rates, check with all companies you are considering how you can save money. Depending on the company, some discounts may not apply in Sacramento. To see providers that offer some of these discounts in California, click this link.
All the larger auto insurance companies such as GEICO, State Farm and Progressive make it easy to get prices direct online. Comparing prices online for Mazda 3 insurance in Sacramento is very simple because you just enter your personal and coverage information into the form. Once you submit the form, the quote system pulls your driving and credit reports and returns a price quote based on many factors. Using the web to get price quotes for Mazda 3 insurance in Sacramento makes it easy to compare insurance prices and it’s very important to do this in order to get affordable rates.
To compare rates using this form now, compare rates now from the companies shown below. If you have a policy now, it’s recommended that you enter the coverage information identical to your current policy. This guarantees you will be getting an apples-to-apples comparison based on similar coverages.
The providers in the list below have been selected to offer free rate quotes in Sacramento, CA. To find cheap auto insurance in Sacramento, it’s a good idea that you visit several of them to get the best price comparison.
Premium rates and analysis
The table shown below highlights different insurance costs for Mazda 3 models. Learning more about how rate quotes are calculated is important to be able to make smart choices when buying a policy.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| 3 I Sport 4-Dr Sedan | $342 | $576 | $442 | $26 | $132 | $1,518 | $127 |
| 3 I SV 4-Dr Sedan | $342 | $576 | $442 | $26 | $132 | $1,518 | $127 |
| 3 I Touring 4-Dr Sedan | $342 | $678 | $442 | $26 | $132 | $1,620 | $135 |
| 3 S Sport 4-Dr Hatchback | $386 | $678 | $442 | $26 | $132 | $1,664 | $139 |
| 3 S Sport 4-Dr Sedan | $386 | $678 | $442 | $26 | $132 | $1,664 | $139 |
| 3 S Grand Touring 4-Dr Hatchback | $386 | $678 | $442 | $26 | $132 | $1,664 | $139 |
| 3 S Grand Touring 4-Dr Sedan | $386 | $678 | $442 | $26 | $132 | $1,664 | $139 |
| Get Your Own Custom Quote Go | |||||||
Price data assumes married male driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and California minimum liability limits. Discounts applied include safe-driver, claim-free, multi-policy, multi-vehicle, and homeowner. Estimates do not factor in vehicle garaging location which can increase or decrease auto insurance rates greatly.
Comparison of policy deductibles
One of the hardest decisions when shopping for insurance is the level to set your comp and collision deductibles. The figures shown below outline the price difference between high and low physical damage coverage deductibles. The first set of prices uses a $250 comprehensive and collision deductible and the second set of prices uses a $1,000 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| 3 I Sport 4-Dr Sedan | $342 | $576 | $442 | $26 | $132 | $1,543 | $129 |
| 3 I SV 4-Dr Sedan | $342 | $576 | $442 | $26 | $132 | $1,543 | $129 |
| 3 I Touring 4-Dr Sedan | $342 | $678 | $442 | $26 | $132 | $1,645 | $137 |
| 3 S Sport 4-Dr Hatchback | $386 | $678 | $442 | $26 | $132 | $1,689 | $141 |
| 3 S Sport 4-Dr Sedan | $386 | $678 | $442 | $26 | $132 | $1,689 | $141 |
| 3 S Grand Touring 4-Dr Hatchback | $386 | $678 | $442 | $26 | $132 | $1,689 | $141 |
| 3 S Grand Touring 4-Dr Sedan | $386 | $678 | $442 | $26 | $132 | $1,689 | $141 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| 3 I Sport 4-Dr Sedan | $210 | $362 | $442 | $26 | $132 | $1,172 | $98 |
| 3 I SV 4-Dr Sedan | $210 | $362 | $442 | $26 | $132 | $1,172 | $98 |
| 3 I Touring 4-Dr Sedan | $210 | $426 | $442 | $26 | $132 | $1,236 | $103 |
| 3 S Sport 4-Dr Hatchback | $238 | $426 | $442 | $26 | $132 | $1,264 | $105 |
| 3 S Sport 4-Dr Sedan | $238 | $426 | $442 | $26 | $132 | $1,264 | $105 |
| 3 S Grand Touring 4-Dr Hatchback | $238 | $426 | $442 | $26 | $132 | $1,264 | $105 |
| 3 S Grand Touring 4-Dr Sedan | $238 | $426 | $442 | $26 | $132 | $1,264 | $105 |
| Get Your Own Custom Quote Go | |||||||
Table data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include safe-driver, multi-vehicle, claim-free, multi-policy, and homeowner. Information does not factor in specific location which can increase or decrease prices substantially.
We can estimate from the data above that using a $250 deductible costs an average of $34 more each month or $408 annually than buying the higher $1,000 deductible. Since you would pay $750 more out of your own pocket with a $1,000 deductible as compared to a $250 deductible, if you go at a minimum 22 months between claim filings, you would save more money going with the higher deductible.
How to determine if raising deductibles makes sense
| Average monthly premium for $250 deductibles: | $137 |
| Average monthly premium for $1,000 deductibles (subtract): | – $103 |
| Monthly savings from raising deductible: | $34 |
| Difference between deductibles ($1,000 – $250): | $750 |
| Divide difference by monthly savings: | $750 / $34 |
| Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible | 22 months |
An important thing to remember is that higher deductibles means you will have to pay more of your own money if you have a claim. You need to make sure you have some extra savings in order to pay the higher deductible in order to repair your vehicle.
Car insurance can get complicated
When it comes to buying coverage for your vehicles, there really is no one-size-fits-all type of policy. Your financial needs are unique.
Here are some questions about coverages that could help you determine whether your personal situation might need an agent’s assistance.
- Why are teen drivers so expensive to add on to my policy?
- Should I bundle my homeowners policy with my auto?
- Does my car insurance cover rental cars?
- What vehicles should carry emergency assistance coverage?
- When should I remove comp and collision on my Mazda 3?
- Does my policy cover me if I wreck while driving under the influence?
- Do I need replacement cost coverage on my Mazda 3?
- What is covered by UM/UIM coverage?
If you’re not sure about those questions then you might want to talk to a licensed insurance agent. If you don’t have a local agent, take a second and complete this form. It’s fast, free and may give you better protection.
Buying auto insurance from Sacramento insurance agencies
A lot of people would rather sit down and talk to an agent and doing that can be a smart decision Agents can point out coverage gaps and help you file claims. The biggest benefit of comparing rates online is that drivers can save money and get cheap rate quotes but also keep your business local. Buying insurance from local insurance agencies is definitely important in Sacramento.
By using this form (opens in new window), your coverage information is submitted to agents in your area who will give you bids for your auto insurance coverage. You never need to drive around due to the fact that quote results will go instantly to you. If you want to get a comparison quote from a specific auto insurance provider, don’t hesitate to go to their quote page and fill out the quote form the provide.
The difference between Sacramento auto insurance agents
If you are wanting to purchase auto insurance from an insurance agent, it can be helpful to understand the types of agencies that you can choose from. Auto insurance agencies may be either independent or exclusive depending on the company they work for. Either type can write policy coverage, but it’s a good idea to understand the subtle differences since it can impact buying decisions.
Independent Auto Insurance Agencies
Independent agents are appointed with more than one company and that is an advantage because they can write policies through many companies and get the cheapest rates. To move your coverage to a new company, your policy is moved internally which requires no work on your part. When shopping rates, we highly recommend that you get some free quotes from a couple of independent agencies for the best price selection.
Listed below are independent insurance agents in Sacramento that may be able to provide free auto insurance rate quotes.
Bates Insurance Agency | Auto Insurance and Homeowners Insurance and Car Insurance
2306 J St – Sacramento, CA 95816 – (916) 251-3548 – View Map
Nationwide Insurance: Rielli Insurance and Financial Services LLC
7 Parkcenter Dr #125 – Sacramento, CA 95825 – (916) 234-1490 – View Map
McClatchy Insurance Agency
2410 Fair Oaks Blvd #140 – Sacramento, CA 95825 – (916) 488-4702 – View Map
Exclusive Auto Insurance Agents
Agents of this type have only one company to place business with and examples are Farmers Insurance, State Farm, Allstate, and AAA. Exclusive agencies are unable to provide prices from multiple companies so they really need to provide good service. They are trained well in insurance sales and that can be a competitive advantage.
Listed below is a list of exclusive agents in Sacramento that are able to give comparison quotes.
Jordan Backhaus – State Farm Insurance Agent
4315 Elkhorn Blvd Ste B – Sacramento, CA 95842 – (916) 331-1135 – View Map
Allstate Insurance: John Chandler
900 Jefferson Blvd #110 – West Sacramento, CA 95691 – (916) 374-1600 – View Map
Greg Lauck – State Farm Insurance Agent
950 Fulton Ave #175 – Sacramento, CA 95825 – (916) 978-9110 – View Map
Finding a good insurance agency is decision based upon more than just a low price. Here are some questions to ask:
- Is the quote a firm price?
- If independent agents, which companies do they recommend?
- Does the company allow you to choose your own collision repair facility?
- Are they giving you every discount you deserve?
- Do they have 24-hour customer assistance?
Quote more and you will save more
You just learned many tips how you can compare Mazda 3 insurance rates in Sacramento. The key thing to remember is the more times you quote, the better likelihood of getting cheaper Sacramento car insurance quotes. Consumers could even find that the lowest rates are with a smaller regional carrier.
People switch companies for many reasons like delays in paying claims, unfair underwriting practices, denial of a claim or poor customer service. It doesn’t matter why you want to switch finding a new company is actually quite simple.
As you shop your coverage around, don’t be tempted to skimp on critical coverages to save a buck or two. In many cases, someone sacrificed full coverage only to discover later they didn’t have enough coverage. Your objective should be to get the best coverage possible at a price you can afford and still be able to protect your assets.
Steps to finding cheaper rates for Mazda 3 insurance in Sacramento
The recommended way to find low-cost Mazda 3 insurance is to start comparing rates regularly from insurers who provide auto insurance in Sacramento. You can shop around by completing these steps.
First, learn about how your policy works and the factors you can control to prevent expensive coverage. Many things that result in higher rates like traffic citations, accidents, and a substandard credit history can be rectified by making minor driving habit or lifestyle changes.
Second, compare price quotes from direct carriers, independent agents, and exclusive agents. Direct and exclusive agents can provide rates from one company like Progressive or Allstate, while independent agents can quote rates from multiple sources. View rates
Third, compare the new rate quotes to the price on your current policy and determine if there is any savings. If you find a lower rate and make a switch, ensure there is no coverage lapse between policies.
Fourth, notify your agent or company of your decision to cancel your current coverage and submit the application along with any required down payment to the new insurer. Immediately place the new certificate verifying coverage in your vehicle’s glove compartment or console.
An important part of this process is that you use identical limits and deductibles on every price quote and and to analyze as many companies as feasibly possible. This enables an accurate price comparison and a better comparison of the market.
More information
- Older Drivers FAQ (iihs.org)
- Who Has Cheap Sacramento Car Insurance for a Toyota 4Runner? (FAQ)
- What Car Insurance is Cheapest for a Nissan Sentra in Sacramento? (FAQ)
- What Car Insurance is Cheapest for a Ford F-150 in Sacramento? (FAQ)
- Who Has Cheap Sacramento Auto Insurance for First-time Drivers? (FAQ)
- Collision Coverage (Liberty Mutual)
- Eight Auto Insurance Myths (Insurance Information Institute)